Free · No sign-up · Nothing stored
Free 401(k) Calculators & Tools
Every tool runs on published IRS and Utah figures, shows its math, and cites its sources. Use them before you move a dollar.
Free · No sign-up · Nothing stored
Every tool runs on published IRS and Utah figures, shows its math, and cites its sources. Use them before you move a dollar.
All figures are current for tax year 2026 and reviewed each January. Nothing you type is submitted or stored — the math runs entirely in your browser.
The real cost of cashing out: federal brackets, the 10% penalty, Utah’s 4.45% — and what a rollover keeps instead. For many working-age Utahns the answer is 35–40% of the balance.
Run the numbers →Already holding a distribution check? Your exact redeposit deadline, the 20%-withholding gap you must cover, and the IRS self-certification escape hatch if you’re late.
Find your deadline →Your three controlling dates: the Rule of 55 window, 59½, and your RMD age (73 or 75). Includes the rollover mistake that costs people penalty-free access.
Check your dates →Bracket-by-bracket tax on a conversion, room left in your current bracket, and the Medicare IRMAA thresholds a big conversion can cross.
Estimate the tax →What a one-point fee difference costs over decades — and where to find your plan’s actual numbers in its 404(a)(5) disclosure.
Compare fees →Four questions → which of the four paths are typically open for your account, with the force-out, Rule-of-55, NUA, and RMD flags that apply to you.
See your options →A seven-step checklist through every free, official database — the DOL Lost & Found, Form 5500 search, PBGC, state unclaimed property — with direct links.
Start the search →Deeper written guides on each rollover type: rollover planning, 401(k) to IRA, Roth conversion, old-plan review, retiree rollovers, and 403(b)/457/pension.
These tools show you the rules. A no-cost, no-obligation consultation walks through how they apply to your specific accounts — before you sign anything.
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